我国失业保险面临的问题、难点和对策

针对我国目前失业保险存在的覆盖面小，保险能力弱，缺乏必要的强制性和统一性，保险基金筹集不足，管理不善等问题，应采取以下对策：扩大失业保险的覆盖面积和保障力度；建立统一的社会保险制度；尽快建立积累式的失业保险基金；选择适宜的基金管理体制和投资运作方式，确保社会保险基金的保值增值。

In ouler to solve proberns etisting in China's unemploymnt insurance, such assmall coveop,inadequate insurance capacity, lack of necessare compulsion and unity, insufficientfunds and improper management, etc, the following measures should be taken: to expand unemployment insurance coveiage and enhance its security; to estahlish a unified aseial insurane system; toset up accumulahve unemploymnt insurance fund; to select suitable drid management system andinvestinent operating pattem; to guarantee the value and increment of social insurance fund.